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23score
$230,000
MLS
Street view3128 Adams St
Indianapolis IN 46218 · Single Family · built 1952
5 bd2 ba1,750 sqft$131/sqft vs ZIP $138 −5%
1.20 lender DSCR (est.)
Rent covers the estimated payment 1.20× · walk-away floor 1.20 · medium confidence
How we compute this
Rent est. $1,707/mo (HUD fair-market rent) ÷ estimated monthly payment: 75% LTV, ~7.5% rate, 30‑yr term, insurance ~0.5%/yr, taxes from the county assessor. Assumptions as of 2026-09-12.
DSCR 1.20
The underwriting
The numbers (estimates, illustrative)
$230,000List price
$1,707Rent estimate / mo
1.20Lender DSCR (est.)
$1,436Taxes / yr · county assessor
$138ZIP median $ / sqft
23/100Deal Score
Monthly picture (illustrative)
| Rent est. | $1,707 |
| − Mortgage (P&I) | −$1,206 |
| − Taxes | −$120 |
| − Insurance | −$96 |
| = Cash flow before vacancy & repairs | $285 |
The numbers
- Price
- $230,000
- $ / sq ft
- $131 ZIP median $138
- Rent estimate
- $1,707/mo HUD fair-market rent
- Property taxes
- $1,436/yr 2% cap on assessed value $71,800
- PITIA (assumed)
- $1,422/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr
- Lender DSCR (est.)
- 1.20 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 23/100 DSCR 1.20
The property
- Beds / baths
- 5 / 2
- Living area
- 1,750 sq ft
- Lot
- 5,227 sq ft
- Year built
- 1952
- Property type
- Single Family
- HOA
- None on record
- Flood zone
- None (Zone X)
- Registered rental
- No
The listing
- Source
- Standard
- MLS #
- 22124695
- Listed
- Sep 7, 2026
- Days on market
- 25
- Listing agent
- Perla Palma Nunez · Keller Williams Indy Metro S
3176921998 · ppalma@callcarpenter.com - Price history
- First asked $230,000
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All figures are illustrative estimates from the list price, public records, rent comps / HUD fair-market rent and assumed financing (75% LTV, ~7.5%, 30 yr, as of 2026-09-12). Not verified, not an offer, not investment advice. Triad Global, LLC is a real-estate investor, not a licensed brokerage. Listing data from public sources; verify everything before you bid. Equal Housing Opportunity.